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Fixed Indexed Annuity

Retirement Plus Multiplier Annuity

Atlantic Coast Life

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5.95%

Best Cap

10%

Free W/D

41

Jurisdictions

Product data status: June 26, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Retirement Plus Multiplier Annuity would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of June 26, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$250,358
Est. value at age 80 (Retirement Plus Multiplier Annuity)
0%
Floor — index losses never reduce value
Retirement Plus Multiplier Annuity
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Retirement Plus Multiplier Annuity's published cap rate (5.95% on S&P 500 Index) to a hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of June 26, 2026.

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See how Retirement Plus Multiplier Annuity compares for your age, state, premium, and income goals alongside other Atlantic Coast Life fixed indexed annuity options.

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Live rate data

Run live numbers for Retirement Plus Multiplier Annuity

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Atlantic Coast Life product.

Live product data

Rates as of June 26, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap

5.95% cap on S&P 500

A fixed indexed annuity from Atlantic Coast Life offered in multiple surrender-term variants, built around a recognizable S&P 500 annual point-to-point cap plus a proprietary Aging of America Index in multiple participation cadences, with an optional Buy-Up Rider that lifts crediting rates in exchange for a published rate-enhancement fee and no lifetime-income rider attached in this feed.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who want to pick their own deferral commitment from multiple surrender-term variants on the same contract, value a recognizable S&P 500 annual point-to-point cap as their like-for-like comparison point alongside a higher-participation proprietary index, and are comfortable with a below-A-bracket carrier in exchange for the crediting menu this filing offers.

AM Best

B Fair

Surrender options

5, 7, and 10 years

Free withdrawal

10%/yr

Availability

41 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5% cap rate

1-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

5.95% cap rate

1-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

5% cap rate

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

5.95% cap rate

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

5% cap rate

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

5.95% cap rate

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

28% participation rate

1-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

38% participation rate

1-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

28% participation rate

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

38% participation rate

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

28% participation rate

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

38% participation rate

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

38% participation rate

2-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

53% participation rate

2-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

38% participation rate

2-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

53% participation rate

2-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

38% participation rate

2-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

53% participation rate

2-year term · 10-year surrender · Premium band not shown

Fixed Account

Fixed Account

3% declared rate

1-year term · 5-year surrender · Premium band not shown

Fixed Account

Fixed Account

3% declared rate

1-year term · 7-year surrender · Premium band not shown

Fixed Account

Fixed Account

3% declared rate

1-year term · 10-year surrender · Premium band not shown

+ 18 additional crediting options (Aging of...)
View rate listings (13 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 150% · 1-yr

Aging of America Index

participation

5-yr surrender

Par: 28% · 1-yr

S&P 500 Index

participation

5-yr surrender

Cap: 5% · 1-yr

S&P 500 Index

cap

5-yr surrender

Fixed: 3% · 1-yr

Fixed Account

fixed

5-yr surrender

Par: 200% · 1-yr

Aging of America Index

participation

5-yr surrender

Par: 38% · 1-yr

S&P 500 Index

participation

5-yr surrender

Cap: 5.95% · 1-yr

S&P 500 Index

cap

5-yr surrender

Par: 200% · 2-yr

Aging of America Index

participation

5-yr surrender

Par: 38% · 2-yr

S&P 500 Index

participation

5-yr surrender

Par: 275% · 2-yr

Aging of America Index

participation

5-yr surrender

Par: 53% · 2-yr

S&P 500 Index

participation

5-yr surrender

Par: 250% · 3-yr

Aging of America Index

participation

5-yr surrender

Par: 350% · 3-yr

Aging of America Index

participation

5-yr surrender

Lifetime Income Riders

Income rider

Income Multiplier Benefit

Lifetime payout rate4.7% lifetime payout
Annual rider fee0.95% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap with no rider fee, so this contract offers at least one clean like-for-like comparison line against other FIAs on this site rather than only proprietary participation-rate strategies.
  • The same contract is filed in multiple surrender-period options, so a buyer can choose deferral commitment up front rather than being locked into a single window, and crediting rates step up materially as the surrender term lengthens.
  • Index menu pairs the S&P 500 with the proprietary Aging of America Index across multiple participation-rate windows — a buyer who wants longer crediting cadences on the same index gets meaningfully higher participation as the term lengthens inside the same contract.
  • Free-withdrawal allowance, the full year-by-year surrender ladder, the market-value-adjustment flag, and the nursing-home, terminal-illness, and RMD waivers are all visible directly on this page rather than gated behind a sales brochure.

What to confirm

  • This contract is positioned for accumulation in the live feed. The feed lists no lifetime-income rider attached (incomeRiders is empty) and no built-in Protected Income Value chassis — the only attached rider is a Growth Benefit: Accumulation Buy-Up Rider that enhances crediting rates rather than guaranteeing a lifetime withdrawal. Carrier marketing literature for this family describes a separately-purchasable income rider, but it does not appear in this product's live data; if income is the goal, confirm rider availability and pricing directly with the carrier before assuming this contract can deliver a guaranteed lifetime withdrawal.
  • The contract publishes two S&P 500 annual point-to-point caps on the same index and cadence: a base cap with no rider fee, and a higher 'Buy-Up' cap that carries a separately-deducted rate-enhancement rider fee. The higher cap is not directly comparable to the no-fee cap on the same index and term — read the rider fee column before reading the cap number.
  • The Aging of America Index is a proprietary index whose participation rates can look high in absolute terms — materially above the S&P 500 participation on the same contract, especially on the longer crediting cadences — but are not directly comparable to an S&P 500 cap and have a shorter live-track history than the S&P 500 itself; evaluate it on its own merits rather than headline number alone.
  • Surrender lockup on the default filing runs the full filing term with a market-value adjustment on amounts above the free-withdrawal allowance, and the standard death benefit pays cash surrender value rather than account value or a rolled-up income base — the shorter-surrender variants fund materially lower crediting rates than the longest on the same strategies. The carrier's A.M. Best rating sits below the A-bracket, and the 'Multiplier' branding in the product name refers to the Buy-Up Rider boosting crediting rates, not to any income multiplier in this live data.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider (no income rider is attached in this feed), require an A-bracket or higher carrier strength view, want short-surrender liquidity inside the chosen surrender term, or expect the higher 'Buy-Up' cap on the S&P 500 strategy to be free — that variant carries a separately-deducted rate-enhancement rider fee that must be read alongside the cap number.

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See how Retirement Plus Multiplier Annuity compares for your age, state, premium, and income goals alongside other Atlantic Coast Life fixed indexed annuity options.

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All crediting strategies

View rate listings (13 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 150% · 1-yr

Aging of America Index

participation

5-yr surrender

Par: 28% · 1-yr

S&P 500 Index

participation

5-yr surrender

Cap: 5% · 1-yr

S&P 500 Index

cap

5-yr surrender

Fixed: 3% · 1-yr

Fixed Account

fixed

5-yr surrender

Par: 200% · 1-yr

Aging of America Index

participation

5-yr surrender

Par: 38% · 1-yr

S&P 500 Index

participation

5-yr surrender

Cap: 5.95% · 1-yr

S&P 500 Index

cap

5-yr surrender

Par: 200% · 2-yr

Aging of America Index

participation

5-yr surrender

Par: 38% · 2-yr

S&P 500 Index

participation

5-yr surrender

Par: 275% · 2-yr

Aging of America Index

participation

5-yr surrender

Par: 53% · 2-yr

S&P 500 Index

participation

5-yr surrender

Par: 250% · 3-yr

Aging of America Index

participation

5-yr surrender

Par: 350% · 3-yr

Aging of America Index

participation

5-yr surrender

Income riders

Income rider

Income Multiplier: Guaranteed Lifetime Withdrawal Benefit Rider

Lifetime withdrawal rate4.7%
Annual rider fee0.95%
Withdrawal-base growthNot shown

GLWB

Linked review

Retirement Plus Multiplier Annuity review notes

Atlantic Coast Retirement Plus Multiplier FIA offers tax-deferred growth, principal protection, and flexible income options for retirees.

3/5Read review
Nikhil Bhauwala

Common questions about Retirement Plus Multiplier Annuity

● Can I lose money in Retirement Plus Multiplier Annuity?

In a year the index falls, Retirement Plus Multiplier Annuity credits 0% — the floor — so your account value does not drop from market losses. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● Is the Income Multiplier: Guaranteed Lifetime Withdrawal Benefit Rider income rider worth the 0.95% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 4.7% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How does Retirement Plus Multiplier Annuity compare to other FIAs?

Use "Compare against" in the analyzer to overlay Retirement Plus Multiplier Annuity with a competing product on the same growth path and see a side-by-side spec row. The better fit depends on your goal — accumulation, income, or liquidity — and the comparison shows where each product leads.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.40%

Strategy guarantee

Minimum guaranteed participation: 10.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

10%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

ACL-RPM-BR-OT-112024.pdf

Confidence: highReviewed Apr 6, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestB

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Retirement Plus Multiplier Annuity currently shows 13 distinct indexed or fixed crediting choices across 63 current rate listings, including S&P 500 Index, with 6 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 5% cap
  • S&P 500 Index: 5.95% cap
  • S&P 500 Index: 28% participation

Income rider language

What to look for before treating the rider as income

Income Multiplier: Guaranteed Lifetime Withdrawal Benefit Rider is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 4.7% withdrawal rate
  • 0.95% rider fee

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as ACL-RPM-BR-OT-112024.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get a Retirement Plus Multiplier Annuity rate report

See how Retirement Plus Multiplier Annuity compares for your age, state, premium, and income goals alongside other Atlantic Coast Life fixed indexed annuity options.

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